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American Express Westpac Altitude Black Bundle

Last updated:  

No longer offered in the market

The American Express Westpac Altitude Black Bundle credit card is no longer available for new applications. However, we've kept the information online for the benefit of existing customers and for those who are interested.

You can compare the current range of Westpac credit cards here.

150,000

Bonus points

20.49% p.a.

Purchase rate

American Express: 20.24% p.a.
Mastercard: 20.49% p.a.

Up to 3

Reward points per $

American Express: 3
Mastercard: 1.25

$449 p.a.

Annual fee

We’re committed to our readers and editorial independence. We don’t compare all products in the market and may receive compensation when we refer you to our partners, but this does not influence our opinions or reviews. Learn more about Finder .

Details

Product NameAmerican Express Westpac Altitude Black Bundle - DISCONTINUED
Rewards programWestpac Altitude Rewards
Purchase rate20.24% p.a. (AMEX)

20.49% p.a. (Visa/MC)
Annual fee$449
Interest-free period45 days
Cash advance rate21.49% p.a.
Min credit limit$18,000
Card typeMastercard,American Express
Foreign currency conversion fee3%
Minimum income$75,000
Available to temporary residentsNo
Joint applicationNo

Pros

  • 150,000 bonus Altitude Points on Mastercard when you spend on the Mastercard within the first days of approval
  • Up to 6 rewards points per $1 spent on eligible purchases in Australia, uncapped
  • Two complimentary visits per year to the international Amex airport lounge in Sydney or Melbourne and two complimentary Priority Pass lounge passes

Cons

  • Tiered earn rate structure can make it difficult to evaluate rewards potential
  • Only offers up to 45 days interest-free on purchases, compared to other cards that offer up to 55 days
  • Combined annual fee of $449 is high, compared to other black card offerings
Rewards programWestpac Altitude Rewards
Bonus points150,000
Rewards points per $ spent1.25
Rewards points per $ spent3
Annual fee$449
Foreign currency conversion fee3%
Cash advance fee2% or $2.50, whichever is greater
Additional cardholder fee$0

How to apply

If you already have a Westpac Altitude Rewards credit card, you can see if you're eligible to apply by logging into your account and checking the "offers" tab.

If you're a new customer, you can apply for the American Express Westpac Altitude Black Card bundle online via a secure application form. Note that you can apply for the Westpac Altitude Black Mastercard separately but you must apply for both cards if you want the American Express option. Get started by checking that you meet the following eligibility criteria and have all the relevant documents and details on hand.

Eligibility criteria

  • New customer. To be eligible for the bonus points offer, you cannot hold or have held a Westpac rewards card in the previous 12 months.
  • Minimum income. You need to earn at least $75,000 per year to apply for this bundle.

Card benefits

  • Bonus points offer. This card bundle offers you 150,000 bonus Altitude Points when you apply by 11 November 2020 and spend $4,000 on eligible purchases on the Mastercard within the first 90 days.
  • Uncapped Amex earn rate. The American Express Westpac Altitude Black earns 5 points per $1 spent in a foreign currency, 3 points per $1 spent on eligible purchases in Australia and 1 point per $1 spent with government bodies in Australia.

Rates & fees

  • Annual fee. You'll pay a total of $449 p.a. for this two-card bundle. The Westpac Altitude Black Mastercard charges a standard annual fee of $250, while the Amex card comes at the cost of $199.
  • Additional card fee. This card offers a $0 annual fee for additional cardholders.

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18 Comments

  1. Default Gravatar
    Brad
    January 22, 2019

    Does the Westpac Amex Altitude Card provide one complimentary national airfare per annum?

    • Avatarfinder Customer Care
      Jeni
      January 24, 2019

      Hi Brad,

      Thank you for getting in touch with finder.

      Currently, this American Express Westpac Altitude Black Bundle does not provide travel credit. You may check out this page to know Amex cards that boost American Express Travel credits.

      I hope this helps.

      Thank you and have a wonderful day!

      Cheers,
      Jeni

  2. Default Gravatar
    Thomas
    May 4, 2018

    What is the conversion rate Westpac Altitude Points to SIA Krisflyer points?

    • Avatarfinder Customer Care
      Jeni
      May 4, 2018

      Hi Thomas,

      Thank you for getting in touch with finder.

      As a friendly reminder, while we do not represent any company we feature on our pages, we can offer you general advice.

      Redeem 3,000 Altitude points for 1,200 KrisFlyer Miles. Please allow 3 business days for the processing of each transfer request.

      You may see this info in altitude rewards page.

      I hope this helps.

      Have a great day!

      Cheers,
      Jeni

  3. Default Gravatar
    Shannon
    May 3, 2018

    Hi, I’m a bit confused. This is not the offer I received from Westpac/AMEX. It’s so similar but different. I received an invitation with a personal code to apply for AMEX Westpac Black Altitude card on its own (AMEX issued) not as a bundle (I still have my Westpac Visa Altitude card).

    The complimentary insurance appears to be underwritten my Allianz (I may not understand this bit) and seems quite comprehensive – definitely includes rental car excess.

    Other details mentioned are the same – the $199 annual fee, the rate of rewards earning. Will you be reviewing this card soon? I plan to auto-redeem all Altitude rewards to Velocity.

    • Avatarfinder Customer Care
      Jeni
      May 4, 2018

      Hi Shannon,

      Thank you for getting in touch with finder.

      As a friendly reminder, while we do not represent any company we feature on our pages, we can offer you general advice.

      The personal offerings from AMEX/Westpac are different to the cards that everyone can apply for. You can just choose whichever you want to apply for. If you want to get further info on this matter, you may contact Westpac directly. They also have chat facility on their official website so you can also clarify it without being on queue.

      You may want to check out this link about your Velocity auto-redemption enquiry.

      I hope this helps.

      Have a great day!

      Cheers,
      Jeni

  4. Default Gravatar
    gowri
    April 30, 2018

    hi please call me I am just regarding this American express card
    to apply I want to know more information regarding this card.
    thanks
    gowri

    • Default Gravatar
      Nikki
      April 30, 2018

      Hi Gowri,

      Thanks for your message and for visiting finder – the leading comparison website & general information service built to give you advice in your buying decision needs. How are you doing today?

      Unfortunately, we aren’t able to make a call. There is a live chat option in our website should you wish to obtain more information on the American Express Westpac Altitude Black Bundle or you may contact us here.

      Hope to hear from you soon!

      Regards,
      Nikki

  5. Default Gravatar
    Judith
    April 9, 2018

    Where do I find the application format for the American Express Westpac Altitude Card?

    • Avatarfinder Customer Care
      Jeni
      April 9, 2018

      Hi Judith,

      Thank you for getting in touch with finder.

      At the moment, the American Express Westpac Altitude Black Card is only available to existing Westpac Altitude customers.

      If you’re eligible, Westpac will send you an invitation to apply via Online Banking, email or in the post. You can then apply online using your personal offer code.

      I hope this helps.

      Have a great day!

      Cheers,
      Jeni

  6. Default Gravatar
    Peter
    April 8, 2018

    Does the new Amex Westpac Altitude black card travel insurance coverage include the excess on rental car hire with Avis?

    • Avatarfinder Customer Care
      Jeni
      April 8, 2018

      Hi Peter,

      Thank you for getting in touch with finder.

      If you are pertaining to the complimentary travel insurance, excess on rental car hire is not included.

      The American Express complimentary credit card insurance is provided by Chubb Insurance Australia Limited.

      If you have any more questions about the cover you get with your card, feel free to contact them directly.

      I hope this helps.

      Have a great day!

      Cheers,
      Jeni

  7. Default Gravatar
    Alan
    March 22, 2018

    I received a message on my Phone that my current Westpac Amex Card will expire soon and that I should advise Westpac if I need to renew it to cover recurring Payments. I need confirmation if I have any recurring Payments.

    • Avatarfinder Customer Care
      Jeni
      March 22, 2018

      Hi Alan,

      Thank you for getting in touch with finder. I suggest that you contact them to make sure if you have any recurring payments. Just a friendly reminder, we do not represent any company we feature on our pages, we can offer you general advice.

      I hope this helps.

      Have a great day!

      Cheers,
      Jeni

  8. Default Gravatar
    Norton
    March 14, 2018

    been with westpac 35 years … still waiting for invitation for new American express card ?

    • Avatarfinder Customer Care
      Jeni
      March 14, 2018

      Hi Norton,

      Thanks for getting in touch with finder. I can understand that you have been with Westpac for 35 years and you are waiting for an invitation for a new American Express card. I suggest that you also update your information with them because Westpac will send you an invitation to apply via Online Banking, email or in the post. If you have changed your address or been using an old email address that you haven’t used for a while so I recommend that you call or visit the branch to update your info and get your invitation or personal offer code.

      I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.

      Have a wonderful day!

      Cheers,
      Jeni

  9. Default Gravatar
    Robert
    March 3, 2018

    I am an existing Westpac American Express Card holder. How do I apply for the new card please?

    • Avatarfinder Customer Care
      Jhez
      March 6, 2018

      Hi Robert,

      Thank you for your comment.

      If you’re eligible to apply for the American Express Westpac Altitude Black Card, you will be sent an invitation to apply via online banking, or via email and then use the personal offer code to apply online. This is only available to existing Westpac Altitude customers.

      Regards,
      Jhezelyn

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